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by BigFoot48
Fri May 01, 2015 4:18 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3109

Re: Polls Disabled

The Wizard wrote:Fortunately, Bigfoot's net worth survey used an external spreadsheet to tabulate individual financial profiles.
So it wasn't a poll in the simplistic sense...

Actually that bobblehead's survey, I just do supporting grunt work.

+1 on having a poll on this decision. Got me to laugh. :beer
by BigFoot48
Fri May 01, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: i-orp Comparison

That should do it...the models should be similar, but I'm just not getting a similar result. It looks like it's doing some kind of Roth conversion spread over a lot more years than I've keyed-in. I've added a tab that has the output from i-orp, but I just can't figure out how to compare the two mod...
by BigFoot48
Wed Apr 29, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6375

Re: Retirees - What would you have done differently?

I would have started tracking expenses more closely so I could better judge how much I might need in retirement. (I retired, a bit earlier than expected, at 50.) While it wasn't a significant problem because of our thrifty lifestyle, it would have been good to know. I only started detailed tracking ...
by BigFoot48
Mon Apr 27, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: Dipping a Toe In - a cookbook to loading an i-orp model

I will admit that I've tried before, never quite got a level of comfort with the model, and gave-up. I thought I would try again, and while doing so, had an idea that might widen the audience for the model: a set of step-by-step instructions for loading a model from i-orp. Interesting suggestion. T...
by BigFoot48
Thu Apr 23, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Benefit
Replies: 3
Views: 310

Re: Roth Conversion Benefit

QUESTION: Does it make any sense to open a Roth and take more than the required RMD from the IRA? I would pay the required tax due from a savings account. My objective would be to shelter my modest income from additional taxes. Are the converted funds available in fewer than 5 years should I need t...
by BigFoot48
Tue Apr 21, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3067

Re: Preparing for the Minimum Required Distribution

JodieNJ wrote:What is a tIRA please?


Traditional IRA. Then there is the Roth IRA.
by BigFoot48
Thu Apr 16, 2015 1:19 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1084
Views: 496603

Re: The Three Fund Portfolio

Answer to deleted question deleted! :sharebeer
by BigFoot48
Wed Apr 15, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1084
Views: 496603

Re: The Three Fund Portfolio

Another thread raised the issue of increasing the stock allocation during retirement (or anytime) to improve returns. This got me wondering what returns have been historically for the three-fund portfolio for various allocations. Since we have Simba's Backtesting spreadsheet, I used it to determine ...
by BigFoot48
Wed Apr 15, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2944

Re: 2015 net worth survey

Only 98 people took the survey, 27 less than the age of 35 same as our age range, 18 with less than 130k debt (our mortgage), 9 with a portfolio greater than 250k excluding home equity. These numbers seem very low to me. The number of people that have taken the survey is currently at 938. The 2014 ...
by BigFoot48
Tue Apr 14, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5789

Re: How does a retired person mitigate a Bond Bubble?

This person is only 65 years and wil likely live at least another 20 for all we know. A conservatice 3 % difference on return on investment between the current AA and an optimized one with no impact on safety or security over 20 years.... Its funny that we even discuss and diss retirement plans tha...
by BigFoot48
Mon Apr 13, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4595

Re: How should I name my home Wi-Fi network?

Malware Server
Out of Order
Vacation Pictures
by BigFoot48
Sun Apr 12, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5789

Re: How does a retired person mitigate a Bond Bubble?

My mom is age 65 and retired. Her pension + SS pays her monthly expenses. Her entire IRA ($300k) is in Vanguard's Target Retirement Income fund (30% stocks/70% Bonds). Would the bond bubble bursting kill her IRA? If not, why not since it's 70% bonds? If so, how to mitigate it? Your mother is in a g...
by BigFoot48
Sun Apr 12, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Living off investments / Early retirement
Replies: 17
Views: 3873

Re: Living off investments / Early retirement

Keep in mind that your funds will be generating dividends, capital gains, etc. that, if not reinvested, provide part of your annual income needs. Mine have varied from 2.2%-4.8% of average start/end year portfolio balances over the past 13 years. Combined with SS and other income sources, and a cash...
by BigFoot48
Thu Apr 09, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3280

Re: Should I buy extended warranty for our new Toyota Sienna

No, you shouldn't buy it. (Bought three myself over the years and never used one. Lesson learned the expensive way.)
by BigFoot48
Tue Apr 07, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2412

Re: How should I go about getting a Will made?

These are the three things WillMaker prepared (with our help) for me and my wife back in 2010. At the same time I also had it prepare all but the Will for my in-laws, as my FIL was into dementia and if something had happened to the MIL I needed their daughter to have the ability to step-in. Boy, was...
by BigFoot48
Tue Apr 07, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2412

Re: How should I go about getting a Will made?

I think Nolo's WillMaker will work just fine for most people with simple estates. My FIL had a lawyer-drafted will that was never actually used as all his assets either were jointly held with his wife or had a beneficiary designated (wife got IRA). Same with my mother who had a WillMaker will. I hav...
by BigFoot48
Sun Apr 05, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4021

Re: Retiring Before Age 66

This Excel model was created specifically to examine the impact of Roth conversions on one's portfolio, but morphed into testing Social Security starting ages, impacts of both on RMDs, and many other things: Retiree Portfolio Model The creator of ORP liked it so much he put a link to it on his websi...
by BigFoot48
Wed Apr 01, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: If you need a laugh today...
Replies: 7
Views: 1522

Re: If you need a laugh today...

I wish it was just an April 1 yarn.
by BigFoot48
Mon Mar 30, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2142

Re: Schwab / Vanguard Fund & Allocation Advice

Right on the mark! What a significant improvement that portfolio will be over your current one. Easy to understand, low fees, and a breeze to maintain or change your chosen allocation. Well done. REITS are in Total Stock Market and while I current own some, I look forward to the day I simplify even ...
by BigFoot48
Sun Mar 29, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3472

Re: Best Way to Visualize Compounding

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

― Albert Einstein
by BigFoot48
Sun Mar 29, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18390

Re: What are some common misconceptions found in this forum?

A few come to mind...

Roth conversions are always a good idea.
If married, one person should always wait until 70 to start SS benefits.
Vanguard has the best funds.
Bogleheads is just another investing forum.
by BigFoot48
Fri Mar 27, 2015 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2142

Re: Schwab / Vanguard Fund & Allocation Advice

Really appreciate the feedback here. The Vanguard portfolio was designed after reading several asset allocation books and then researching the Aronson Famil Taxable Portfolio (http://m.seekingalpha.com/article/293499) but agree that it looks largely complex now. You might find it interesting to loo...
by BigFoot48
Fri Mar 27, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2142

Re: Schwab / Vanguard Fund & Allocation Advice

I would set a goal of greatly simplifying the portfolio. Having 12 funds in an account that makes up 10% of the portfolio is, I think there is a technical term, ah yes, nuts! I agree with livesoft that the Vanguard taxable account would be where to hold the two Vanguard stock funds. I would do the s...
by BigFoot48
Wed Mar 25, 2015 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: lump sum and dollar cost averaging
Replies: 95
Views: 6906

Re: lump sum and dollar cost averaging

http://www.bobsfinancialwebsite.com/download.html#LSminusDCA And this chart provides the evidence. Click image for full size. This link is broken. Can somebody fix it? All that remains of Bob's website is at the Wayback Machine: http://web.archive.org/web/20110208064044/http://bobsfinancialwebsite....
by BigFoot48
Wed Mar 25, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5435

Re: Building a new house. Any recommendations?

After my wife broke her ankle in a bike accident, I learned a lesson thanks to our 1978 sunken living room and bedroom house: make sure your house is wheelchair friendly.
by BigFoot48
Mon Mar 23, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1219

Re: Tax Software

There's a great Excel downloadable spreadsheet that does the 1040 and a bunch of supplemental forms: https://sites.google.com/site/excel1040/
by BigFoot48
Sun Mar 22, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5988

Re: Anyone concerned about their bond holdings?

but bonds will go down with interest hikes - thats the concern i was posting about Yes, but as I will have little need to sell my bonds it doesn't matter, and after about 4-5 years the higher interest rates will have covered any decrease and be a net positive going forward. Schwab opinion: http://w...
by BigFoot48
Sat Mar 21, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5988

Re: Anyone concerned about their bond holdings?

Looking forward to interest hikes as I'd like some more income from my bonds. Bring it on!
by BigFoot48
Fri Mar 20, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 7719

Re: How do you invest your taxable account?

Currently my taxable holds (plus MM): Schwab Total Stock Market Index (SWTSX) Vanguard Short-Term Bond ETF (BSV) And in the future post-inheritance: Vanguard Interm-Term Tx-Ex Inv (VWITX) If anyone is having trouble deciphering the stand-alone security symbols posted, this Wiki page describes tools ...
by BigFoot48
Mon Mar 16, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 2050

Re: Retired - When to Sell to Generate Cash

I've been dealing with this issue for some 15 years now. You don't need three years of cash, you need three years of net cash after deducting expected dividends/cap gains (those that aren't reinvested) and pensions/social security income. I started out at three years too, but have found one net year...
by BigFoot48
Sat Mar 14, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2293

Re: Where to purchase Windows? What version?

I don't know anyone using Win 8, who also used Win 7, who does not prefer Windows 7. Me me! I have a touchscreen on my Acer laptop running 8.1 and never use it, and prefers 8.1's features to 7, and am looking forward to updating both to 10. I do run Classic Start Menu on both though, negating some ...
by BigFoot48
Fri Mar 13, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2293

Re: Where to purchase Windows? What version?

Good recent article article on all of the above recover/restore/etc issues: http://windowssecrets.com/newsletter/ne ... ion-media/ I use Magical Jelly Bean to get my Windows codes. https://www.magicaljellybean.com/keyfinder/ (use custom install to avoid adware)
by BigFoot48
Wed Mar 11, 2015 9:22 am
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4565

Re: If you could send an investment message 10 years in the

"Aren't you glad you were a Boglehead these last 10 years!"
by BigFoot48
Mon Mar 09, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 525

Re: Understanding Roth conversions and question

Use this model to estimate how much RMDs will be reduced by doing Roth conversions over a number of years: Retiree Portfolio Model
by BigFoot48
Mon Mar 09, 2015 9:47 am
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5879

Re: not sure about my adviser

Bigfoot48 that madslinger report is a help. So if I use the coffeehouse example10.43, which is similar to what I'm doing, the total gain since 2010 should be 5 x 10.43CAGR= 52.15%. More. According to madslinger $10,000 invested in the default Coffeehouse portfolio at the start of 2010 would have gr...
by BigFoot48
Sun Mar 08, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5879

Re: not sure about my adviser

I suggest you use this historic returns calculator (Spreadsheet for Backtesting) that allows a person to test alternative periods and portfolio, and provides examples of some commonly used portfolios: http://www.bogleheads.org/forum/viewtopic.php?p=1912664#p1912664 There's also this summary of commo...
by BigFoot48
Sun Mar 08, 2015 12:47 pm
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 7060

Re: Automated Rosetta Stone?

I recently noticed that this ticker symbol lookup script was no longer working in Firefox so I investigated it this morning and found out several things: 1. The website hosting the java script originally created in 2008 by BH mas is no longer in existence. (A mirror of the site is available but does...
by BigFoot48
Sun Mar 08, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify this Portfolio
Replies: 14
Views: 1146

Re: Simplify this Portfolio

* Fire the adviser. * Liquidate the mish-mash of tiny funds. * Buy three total market index funds or the appropriate Vanguard Target Retirement Fund. satch, as usual Taylor has summed up simply and perfectly what you should do. I recommend starting that 3-step process tomorrow when the market opens.
by BigFoot48
Sat Mar 07, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5879

Re: not sure about my adviser

1) Call Schwab and ask how I can get rid of the advisor. Call the advisor and tell him I'm taking over the accounts and not to make any more transactions. Then figure out whether to move the portfolio to Vanguard and begin selling all the funds until I'm down to 3-5 funds. 2) Call Vanguard and ask ...
by BigFoot48
Fri Mar 06, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Don't close your account until after next year's 1099s!
Replies: 2
Views: 634

Re: Don't close your account until after next year's 1099s!

Good advice! I just closed a small $4k IRA at Schwab to simplify our financial life a bit. I made sure I saved the last statement, fund sale info, and transfer of the cash to our brokerage account record, and had been looking at the $0 balance and thinking I had to contact Schwab and close it for go...
by BigFoot48
Fri Feb 27, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7497

Re: International is disappointing

I'm re-balancing next week and will be selling some REIT ETFs (has been over the 25% trigger point for awhile) and buying some International ETFs, and moving some money market balances that had gotten too high to bond funds. So it goes in the strategy of "stay the course".
by BigFoot48
Fri Feb 27, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 3343

Re: Are remote starters bad for cars?

I love the remote start feature in my C-Max Energi in the summer. Runs on electricity and nicely cools the car when I'm leaving a store or getting ready to leave home and the garage is 110F. Can also start it via the internet if I need a full 15 minutes of cooling and too far for the remote to work....
by BigFoot48
Fri Feb 20, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 7087

Re: Preparing for 2 months incommunicado

climber2020 wrote:Gonna at least take a small film camera to document the adventure?

What is this "film" stuff of which you write?

Victoria, I like the idea of no electronics including camera (of any type) - just savor the experience and the resulting memories!
by BigFoot48
Mon Feb 16, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2716

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Mel, a very nice birthday celebration column with those amazing statistics on the success of the site. Happy birthday Bogleheads.org - with many more to come!
by BigFoot48
Fri Feb 13, 2015 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: Retiree Portfolio Model

That sounds like what happened. You may want to download a new copy and start all over, avoiding use of the macros. Hope you find it useful when it finally works as intended!
by BigFoot48
Fri Feb 13, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4433

Re: [Is it worth getting an] AARP [membership]?

I was a member for a few years until it dawned on me that this organization I aligned with and sent money to never once had asked my opinion on any of the issues they were supporting, and never once asked me to vote for who should lead the "association". I view them as a for-big-profit pri...
by BigFoot48
Fri Feb 13, 2015 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: Retiree Portfolio Model

BigFoot48, v4.93 seems to be working better for me, but I did run into one snag, similar to the one I mentioned yesterday - in the RMD start age field, where it defaults to 71, I need to change it to 70 and it will only accept "y" or "n". Denise, I am unable to test the model on...
by BigFoot48
Wed Feb 11, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: Retiree Portfolio Model

Clear Entries is a macro and you should open the file again and don't click on that just to eliminate it from the process. I have no idea why that SS value field has been apparently changed to a y/n field. Don't understand how that could happen. Go to the first post and download version 14.93 and se...
by BigFoot48
Wed Feb 11, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 53486

Re: Retiree Portfolio Model

BigFoot48 - Ah, I didn't realize it wasn't supported on Apple. I used v 14.3 last year and it appeared to be working, so maybe I'll go back to that. I wouldn't know if the calculations were correct, though. Do you know whether there were any calculation problems with that verison on Macs? There hav...

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